Join Date: Apr 2006
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Re: Health Insurance While Cruising
gb, you might want to contact come insurers or at least look at the policy terms most have available on the obamacare web site.
Most are moving to provide coverage mainly through "plan members" only. Go outside the plan (group) and now you need a policy that covers you outside the group. That's easy to get--but often quite pricey. If it covers you outside of the group, the insurer usually doesn't care where you are, or how far outside the group you are.
Medevac or transport coverage back to the US is something else again. Get injured in Venezula or Columbia, and do you know where the nearest Class 1 Trauma Center is? Back in Miami, US of A.
Plenty to be gleaned from many threads here and elsewhere, but check the policies, because this year many things have been changing, and many insurers are playing coy in order to duck out of new costs. Like one major carrier, who just didn't send out plan ID numbers for nearly two months (no ID? Just try to get an rx filled, it can't be billed to the insurer) or send out plan coverage lists and policies for six months. No list of members? Right, then try finding a doctor on your plan. Great way to ensure the members won't be racking up any bills for six months, isn't it? Meanwhile, they have to pay dues.
2014 brings new twists.